First Federal Savings Bank in city_name, state_name - Detailed Financial Reports, Location

First Federal Savings Bank in Ottawa, Illinois (IL)
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First Federal Savings Bank - Overview

General
FDIC Certificate #: 28924
Status: Active
Federal Reserve ID: 771878
Date Established: January 01, 1889
WWW: http://www.firstfedsavingsbank.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 13 (Domestic: 13, Interstate: No)
OTS Docket #: 2631
FDIC's unique #: 41758
Numeric code: 34
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: November 26, 1934
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
Location
Address: 633 La Salle St, Ottawa, IL 61350
County: La Salle
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Princeton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Ottawa-Streator, IL (#36860)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $398.1 mil
Equity capital: $33.7 mil
Deposits held in domestic offices: $355.1 mil
Return on assets (ROA): -1.05% (-$4.2 mil)
Quarterly return on assets: -3.13% (-$12.5 mil)
Return on Equity (ROE): -11.49% (-$3.9 mil)
Quarterly return on equity: -35.19% (-$12.0 mil)
Net income: -$4.2 mil
Quarterly Net income: -$3.1 mil
Pretax return on assets: -1.51% (-$6,011.2 mil)
Quarterly Pretax return on assets: -3.98% (-$15,844.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
127Total employees (full-time equivalent)
$398,096Total assets
$58,355Cash and due from depository institutions
$56,682Interest-bearing balances
$10,941Securities
$0Federal funds sold & reverse repurchase agreements
$290,598Net loans & leases
$5,500Loan loss allowance
$0Trading account assets
$6,631Bank premises and fixed assets
$6,526Other real estate owned
$1,793Goodwill and other intangibles
$398,096Life insurance assets
$23,252All other assets
$364,397Total liabilities and capital
$355,148Total liabilities
$341,785Total deposits
$355,148Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$5,249Subordinated debt
$33,699All other liabilities
$33,699Total equity capital
$33,699Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$33,699Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,878Income earned, not collected on loans
$0Earning assets
$1,021Long-term assets (5+ years)
$358,221Average Assets, year-to-date
$0Average Assets, quarterly
$404,968Volatile liabilities
$396,641Insider loans
$214,120FHLB advances
$398,096Loans and leases held for sale
$12,848Unused loan commitments
$0Tier 1 (core) risk-based capital
$33,699Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$34,023Restructured Loans and leases
$311Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$14,839Total interest income
$3,666Total interest expense
$11,173Net interest income
$7,358Provision for loan and lease losses
$1,387Total noninterest income
$0Fiduciary activities
$582Service charges on deposit accounts
$0Trading account gains & fees
$805Additional noninterest income
$11,328Total noninterest expense
$5,711Salaries and employee benefits
$1,968Premises and equipment expense
$3,649Additional noninterest expense
-$6,126Pre-tax net operating income
$0Securities gains (losses)
-$1,894Applicable income taxes
-$4,232Income before extraordinary items
$0Extraordinary gains - net
-$4,232Net income attributable to bank
$0Net charge-offs
-$4,232Cash dividends
$6,308Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.04%Yield on earning assets
1.00%Cost of funding earning assets
3.04%Net interest margin
0.38%Noninterest income to earning assets
3.09%Noninterest expense to earning assets
-1.05%Net operating income to assets
-1.05%Return on assets (ROA)
-1.51%Pretax return on assets
-11.49%Return on equity (ROE)
-11.49%Retained earnings to average equity (YTD only)
2.07%Net charge-offs to loans
116.65%Credit loss provision to net charge-offs
0.20%Efficiency ratio
90,191Assets per employee
3.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.86%Loss allowance to noncurrent loans
69.81%Noncurrent assets plus other real estate owned to assets
3.62%Noncurrent loans to loans
2.66%Net loans and leases to deposits
81.82%Net loans and leases to core deposits
84.01%Equity capital to assets
8.47%Core capital (leverage) ratio
8.47%Tier 1 risk-based capital ratio
15.74%Total risk-based capital ratio
Memoranda
$17Average assets
$404,968Average earning assets
$36,841Average equity
$367,165Average loans

List of branches

13 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	41758	First Federal Savings Bank	633 La Salle St, Ottawa, IL 61350	January 01, 1889	Full Service Brick and Mortar
101	271606	Peru Mall Branch	1600 38th Street, Peru, IL 61354	January 01, 1889	Full Service Brick and Mortar
102	271607	137 S Main Branch	137 South Main, Walnut, IL 61376	January 01, 1889	Full Service Brick and Mortar
103	271608	111 E Main Branch	111 East Main Street, Amboy, IL 61310	January 01, 1889	Full Service Brick and Mortar
104	271609	1205 Washington Branch	1205 Washington Street, Mendota, IL 61342	January 01, 1889	Full Service Brick and Mortar
105	271610	8 Dannys Drive Branch	8 Dannys Drive, Streator, IL 61364	January 01, 1889	Full Service Brick and Mortar
106	271611	475 Third St Branch	475 Third Street, La Salle, IL 61301	January 01, 1889	Full Service Brick and Mortar
107	271612	124 E Main St Branch	124 East Main Street, Morris, IL 60450	January 01, 1889	Full Service Brick and Mortar
108	271613	West Main Street Branch	433 West Main Street, Ottawa, IL 61350	July 01, 1994	Full Service Brick and Mortar
109	271614	Shorewood Branch	801 West Jefferson Street, Shorewood, IL 60435	December 01, 1994	Full Service Brick and Mortar
110	271615	Elgin Branch	325 South Randall Road, Elgin, IL 60123	September 01, 1996	Full Service Brick and Mortar
111	359086	Rock Falls Branch	701 First Avenue, Rock Falls, IL 61071	March 27, 2000	Full Service Brick and Mortar
112	359087	Sterling Branch	1701 East 4th Street, Sterling, IL 61081	May 15, 2000	Full Service Brick and Mortar

First Federal Savings Bank in Ottawa, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Savings Bank in Ottawa, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Federal Savings Bank in Ottawa, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches